200 W. Lancaster Avenue, Suite 203
Wayne, Pennsylvania 19087

Addis Hill IARD/CRD No: 117495
Form ADV Part 2A Brochure
MAY 20, 2020

This brochure provides information about the qualifications and business practices of Addis Hill. If you have
any questions about the contents of this brochure, please contact us at 610.688.9500 or The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority.

Additional information about Addis Hill is also available on the SEC’s website at The searchable IARD/CRD number for Addis Hill is 117495.

Addis Hill is a Registered Investment Adviser. Registration with the United States Securities and Exchange
Commission or any state securities authority does not imply a certain level of skill or training.

Item 2: Material Changes
Advisor has expanded the following sections since our last annual update in January 2020:
Item 18 – We have amended this section to disclose our participation in the Paycheck Protection

Item 3: Table of Contents
Item 1: Cover Page
Item 2: Material Changes
Item 3: Table of Contents
Item 4: Advisory Business
Item 5: Fees and Compensation
Item 6: Performance‐Based Fees and Side‐By‐Side Management
Item 7: Types of Clients
Item 9: Disciplinary Information
Item 10: Other Financial Industry Activities and Affiliations
Item 12: Brokerage Practices
Item 13: Review of Accounts
Item 14: Client Referrals and Other Compensation
Item 15: Custody
Item 16: Investment Discretion
Item 17: Voting Client Securities
Item 18: Financial Information
Additional Information

Item 4: Advisory Business

Addis Hill, Inc. has been in business since March 2000 and is registered with the state of Pennsylvania as an S Corporation in addition to being registered as an investment adviser with the U.S. Securities and Exchange Commission. Kent R. Addis, Jr. is a sixty percent (60%) shareholder and Justin J. Hill is a forty percent (40%) shareholder.

Firm Description 
In 2000, Addis Hill was founded to provide fee‐only personal financial planning and investment management services to individuals and families. Addis Hill is not controlled by any other firm, producer’s group, insurance company, or financial organization of any kind. As a result, they are not faced with the potential for conflicts of interest. Addis Hill is guided by a fiduciary oath and fiduciary standards as a member of NAPFA – The National Association of Personal Financial Advisors. Addis Hill’s advisory business is comprised of two parts; Financial Planning and Investment Management. Addis Hill furnishes investment advice through consultations in addition to active investment management to support the comprehensive financial planning process. Addis Hill continually integrates innovative processes, technology, and tools into its business. In addition, the firm collaborates with outside professionals such as insurance agents, accountants and attorneys to reduce risk and solve the challenges facing their clients.

Financial Planning
Addis Hill defines financial planning as an active process designed to provide comprehensive services such as
risk management, asset allocation, tax mitigation, investment planning, insurance analysis, scenario planning,
social security and pension planning and more to its clients. Before any investments are ever considered,
clients will experience several meetings to grasp the basic fact gathering, risk management, estate, and tax
planning necessary to build a clear, identifiable planning foundation to work from. The fee may range from a
minimum of $500.00 to a maximum of $5,000.00 for a full financial plan.

Investment Management
Addis Hill’s investment process offers a unique blend of strategic perspective, which is historical in nature,
and based upon asset allocation principals. Addis Hill believes in optimizing your diversification by
engineering a mix of Exchange Traded Funds (ETFs), Master Limited Partnerships, and individual bonds.
Addis Hill manages client assets on a discretionary basis. As of December 31, 2019, Addis Hill’s assets under
management are approximately $102,790,239 on a discretionary basis and $0 on a non‐discretionary basis.
Addis Hill charges a fee based on a percentage of assets that are transferred to the client’s custodial
accounts for on‐going portfolio management and financial advisory services.
Discretionary assets under management of Addis Hill, are invested in companies such as iShares, Vanguard,
State Street Bank, Powershare and more. Addis Hill does not act as a custodian of client assets. Client’s
assets are custodied at Charles Schwab, TIAA, TD Ameritrade, Vanguard, and Pershing, LLC (Bank of New

Item 5: Fees and Compensation
Addis Hill derives approximately ninety‐five (95%) percent of its advisory billings from assets under
management for the provision of investment supervisory service support activity to clients.

Fee Schedules
Advisory Fee schedule:
Advisory annual fee is equal to one and a quarter percent (1.25%) of assets that are transferred to Addis Hill
and placed in one or more of their managed ETF customized model portfolios under their discretionary
asset management service. Accounts in excess of $2,000,000 will be charged a reduced fee of
.50% on the portion of the account value over and above $2,000,000. One‐twelfth of the annual fee will be
billed monthly in advance. The monthly fee is based on the account’s value on the last calendar day of the
prior month. The fee will be paid directly to Addis Hill, Inc. from the accounts held by the custodian. Partial
month fees at the beginning or end of an advisory relationship will be prorated. The asset‐based fee will
cover on‐going comprehensive financial planning and investment management services. Addis Hill’s
minimum annual fee is $3000. All fees will be disclosed up front and in writing.

Hourly Advisory Rate:

The above fee schedules are negotiable.

Other Fees
Addis Hill will employ the assistance of sub‐advisors for the management of specific portions of the client’s
portfolios. Clients are made aware of the use of sub‐advisors prior to any implementation of investments.
The sub‐advisory relationships are as follows:
DeWitt Capital Management – Mr. David DeWitt – The annual fee is one percent (1%) and billed quarterly in
advance. The fee will be paid directly from the accounts held by the custodian.
Performance Trust – 0.10% ‐ 0.20% a one‐ time fee on initial bond purchase at the time of purchase.
The combination of Addis Hill and sub‐advisory fees will not exceed the industry excessive fee standard of
three percent (3%). Custodians may charge transaction fees on purchases or sales of Exchange Traded Funds,
Stocks, Bonds, Master Limited Partnerships and Mutual Funds. In addition, there are operating expense
charges that are part of the operating expense ratio found in the fund’s prospectus. These fees are in addition
and independent of the fees paid to Addis Hill, Inc. Addis Hill does not receive any part of these fees.
Addis Hill fees are paid directly from the client’s portfolio accounts and those fees are administered through
Shareholders Service Group, a third‐party administrator, TIAA, Charles Schwab, and TD Ameritrade not Addis
Hill. Addis Hill is a fee‐only firm that neither sells any products nor receives any commissions in any form.

Termination of Account
Since fees are collected on a monthly basis, in advance, Addis Hill will refund a prorated portion of the current
monthly fee to the client based on the number of days remaining in the current month. In addition, there can
be small administration fees charged by custodians for accounts transferring out again, independent of Addis
Hill. Addis Hill does not receive any part of these termination fees.
Addis Hill hereby retains the express right for whatever reason, to terminate the advisory relationship.
However, the client shall have the same express right for whatever the reason, to terminate its relationship
with Addis Hill.

Item 6: Performance‐Based Fees and Side‐By‐Side Management
Addis Hill does not use a performance‐based fee structure because of the potential conflict of interest. No fee
is ever based upon capital gains or capital appreciation of assets.

Item 7: Types of Clients
Addis Hill provides investment advice mostly to individuals, as well as to trusts, estates, pension and profit
sharing planes. Although there are no required account minimums, clients typically have investible asset
between $500,000 and $5,000,000 and a net worth up to $10,000,000.

Item 8: Methods of Analysis, Investment Strategies and
Risk of Loss General Investment Philosophy and Objectives
Consistent with the Addis Hill and with the client’s respective risk profile and philosophies, Addis Hill should
make every effort to preserve capital and protect the real value of the assets. It is understood that losses may
occur, but that risk and losses will be considered at the aggregate portfolio level. Addis Hill should adhere to
the investment management styles for which they were hired and make reasonable efforts to control risk,
recognizing that some risk is necessary to produce long‐term results that are sufficient to meet the
investment objectives. Financial markets do fluctuate and there is no guarantee that a certain return will be
met, and past performance is not a guarantee of future results.
The asset class risk and return assumptions are based on various factors including historical data, market
valuations, economic expectations, market capitalizations, and financial modeling. The assumptions are longterm
in nature and are intended to be a reasonable approximation for a wide range of return behavior that
asset classes can potentially exhibit through uncertain market conditions. The asset class assumptions are
then combined in a manner consistent with the weightings of this investment strategy to produce a range of
possible returns for the time periods indicated.

Risk Profile
Investing involves elements of risk, whether that risk is loss of dollars invested or erosion of the value of
wealth due to inflation or spending. In constructing an investment plan, Addis Hill considers the willingness
for clients to assume risk and perform a subjective appraisal of the client’s capacity to assume investment risk.
In addition, we test the risk level in the client’s financial plan to determine the minimum risk level to achieve
the desired result. A client may assume more or less risk than a plan supports.


Income Needs & Time Horizon

Financial goals are defined in terms of the money that clients require at specific times in the future. These
can be in the form of monthly or annual needs, one‐time lump sum distributions, or cash reserves for
emergency needs. Addis Hill considers these income needs and incorporates them into the client’s overall
investment allocations.

When investment recommendations are implemented in non‐qualified taxable accounts, there may be tax
costs. The impact of taxation will be considered in constructing any investment recommendations, purchases,
or sales.

Asset Allocation
Addis Hill believes that asset allocation – the overall mix of asset types within your portfolio – is an extremely
important factor in any portfolio’s behavior. There are many types of assets and many ways to define asset
categories. In basic terms though, most asset categories either: (1) entitle you to some form of equity
ownership; (2) provide an income stream in return for the use of your money; or (3) are a combination of (1)
and (2).

Long Term Portfolio
The Long‐Term Portfolio is allocated to meet cash flow and growth requirements for periods beyond five
years. The following table outlines our neutral target recommendations for the six basic investment asset

Long Term Portfolio Strategic Allocation
Asset Category           Target
Equity                           52.0%
Real Estate                  5.0%
Commodities              5.0%
Other                            15.0%
Fixed Income              26.0%
Cash                             6%
Totals                           100.0%

Based on current market expectations and historical data, Addis & Hill targets the following annual rate of

Investment Return: 4.00%

Inflation Adjustment: 2.00%

Return Objective: 6.00%

Investment Strategy
Addis Hill believes in utilizing a wide variety of asset classes combined to represent a broad
diversification of stock, bonds, and other holdings both domestically and internationally to achieve the
appropriate level of risk for each client. The personal financial plan helps to guide our allocations in
terms of offering the best odds for not running out of money. Addis Hill typically invests in low cost ETF
and other index products through Vanguard, iShares, and other investment companies. In addition,
there are times when holding individual securities such as bonds or MLP’s are in the best interest of a
client. Addis Hill monitors the holdings included in portfolio from time to time to ensure they are still
sound and appropriate. Addis Hill tends to hold securities for the long term and does not engage in
short term trading. The investment process ensures that asset classes are placed in the right accounts to
achieve proper tax location management practices. Independent financial data primarily supplied by
Yahoo Finance, Beta Investment Reporting, Reuters Thomson, State Street, Vanguard, iShares,
Powershares, Performance Trust, Claymore, DeWitt Capital Management, Performance Trust, Steele,
and Morningstar is combined with our proprietary analysis and portfolio management systems to guide
the investment strategy.

Investment Strategy & Risks

Types of Investment
Addis Hill generally use the following investment vehicles to represent the various asset classes.

Common & Preferred Stocks Traded on US Exchanges
Publicly Traded Limited Partnerships
Exchange Traded Funds
Exchange Traded Notes
Mutual Funds
Real Estate

Common Stocks Traded on US Exchanges
Publicly Traded Limited Partnerships
Real Estate Investment Trusts
Exchange Traded Notes
Common & Preferred Stocks Traded on US Exchanges
Publicly Traded Limited Partnerships
Exchange Traded Funds
Exchange Traded Notes
TIPS (Treasury Inflation Protected Securities)
Exchange Traded Funds
Exchange Traded Notes
Fixed Income
Corporate Bonds
US Treasury Bonds
Government Agency Bonds Municipal Bonds
Certificate of Deposits
Exchange Traded Funds
Mutual Funds
Cash will generally be invested in a custodial money market fund. Money market funds are pooled
investment vehicles, were a fund’s share price is intended to remain constant and the fund’s yield is
comparable with the current risk‐free rate of return.

Associated Risks

Investment Risks
Investing in any type of security or asset class involves risk. Some of these risks are described below.
Portfolios may decline in value and Addis Hill cannot guarantee that any return objective.
Market Risks
This is the risk that the prices of securities will rise or fall due to changing economic, political, or market
conditions, or due to a company’s individual situation. The value of a portfolio will change daily as the value
of its underlying securities changes. This means that the securities may be worth more or less when we sell
them than when we bought them. Historically, equity securities have generated higher long‐term returns but
have been more volatile than fixed‐income securities and cash.
Proper diversification among various asset clients is paramount to our investment process. We adjust the
percentage of equities, bonds, cash, and other asset classes based on what is best for each client.
Small and Medium Capitalization Companies
The securities of small and medium capitalization companies have historically had higher returns than those
of larger, more established companies, but these companies may have more risks. They may be particularly
susceptible to market downturns because of limited product lines, markets, distribution channels or financial
and management resources. Also, there may be less publicly available information about small and medium
capitalization companies. Investments in small‐ and medium‐cap companies may be in anticipation of future
products or services to be provided by the companies. If those products or services are delayed, the prices of
the securities of the companies may drop. Sometimes, the prices of the securities of small and medium cap
companies rise and fall based on investor perception rather than economics. Securities of small and medium
cap companies may be thinly traded, making their disposition more difficult. For all these reasons, portfolios
that invest a higher percentage of their assets in small‐ and medium‐cap stocks are generally more volatile
than portfolios investing a higher percentage of their assets in larger, more established companies.
Sectors and Industries
Investment in any given industry or sector exposes the portfolio to that sector or industry’s risks. If the
portfolio has significant investments in a particular sector or industry, its performance would be closely linked
to their performance. The portfolios performance could be negatively affected if it invests heavily in a sector
or industry that performs poorly. A sector or industry’s performance, over any period of time, may be quite
different from that of the overall market. Additionally, certain segments of the market such as technology can
be highly volatile when compared to segments such as utilities.
Foreign Issuers
Investing in foreign issuers involves risks in addition to those of investing in U.S. securities including risks
relating to political, social and economic developments abroad, risk of changes in currency exchange rates and
risks resulting from the differences between the regulations to which U.S. and foreign issuers and markets are
subject. Addis Hill may invest in these issuers through mutual funds, exchange traded funds or directly
through depository receipts (receipts representing the right to receive the securities of foreign issuers
deposited in U.S. banks or a U.S. branch of a foreign bank)
Fixed‐Income Securities
Fixed‐income securities are subject to credit risk (the risk that the obligor will default in the payment of the
principle and/or interest) and to interest rate risk (the risk that the market value of the securities will change
as a result of changes in market rates of interest). These securities are also subject to the risk that interest
rate changes may affect prepayment rates and their effective maturity. Interest rate risk will generally affect
the price of debt security more if the security has a long maturity. Lower rated debt securities including
securities commonly referred to as “junk bonds”, are very risky because the issuers may fail to make
payments of interest and principle. Lower rated debt securities are also often less liquid than higher rated
debt securities. Although the returns for lower rated debt securities are generally superior to higher rated
debt securities, they have in the past been more volatile that the markets for other securities

Item 9: Disciplinary Information
There are no legal or disciplinary actions involved with either Addis Hill as an entity or Kent R. Addis, Jr. and
Justin J. Hill as individuals. There are no material facts to disclose regarding any legal or disciplinary events. In
addition, its employees have not been involved in any legal or disciplinary events related to past or present

Item 10: Other Financial Industry Activities and Affiliations
Addis Hill does employ for specific client accounts, as part of your investment strategy, a sub‐advisory
relationship with DeWitt Capital Management for master limited partnerships and Performance Trust for
individual bonds. Prior to introducing any Pennsylvania clients to another investment advisor, Addis Hill will
be responsible in determining if the firm is properly licensed, noticed filed or exempt from registration with
the Department.

Item 11: Code of Ethics, Participation or Interest in Client Transactions and
Personal Trading Code of Ethics
Addis Hill has adopted a written Code of Ethics in accordance with SEC Rule 204A‐1 which has been adopted
by the state regulators. Such Code of Ethics outlines various professional responsibilities imposed upon Mr.
Addis and Mr. Hill, including, but not limited to ethical issues concerning personal securities trading. A true
and correct copy of the firm’s Code of Ethics is available to clients and prospective clients upon request.
Kent R. Addis, Jr. is a member of NAPFA – The National Association of Personal Financial Advisors. As a
member, Kent has committed to a code of ethics and Fiduciary Oath surrounding objectivity,
confidentiality, competence, suitability, disclosure and professionalism.
William Mayer, CFP® is a certified financial planner. The certification is the standard of excellence in
rigorous education, training and ethical standards. The CFP® Code of Ethics and Standards of
Conduct reflects his commitment to the financial services profession.
Addis Hill, the Registrant has voluntarily subscribed to the “Best Practices for Financial Advisors” published by
The Institute for the Fiduciary Standard. The Best Practices offer a simple code of conduct and outline a
commitment to clients of subscribing financial advisors. They seek to clearly articulate what a client can
expect to receive from a subscribing financial advisor. These Best Practices do not replace our regulatory
compliance obligations or duties to clients under relevant laws, rules, or regulations. The Institute for the
Fiduciary Standard’s role is limited to publishing the Best Practices as well as maintaining a corresponding
register of subscribing financial advisors. You can find a complete list of the Best Practices on our website at‐us/ or
Insider Trading
Addis Hill is in complete compliance with The Insider Trading and Securities Fraud Enforcement Act of 1988.
Specifically, Addis Hill has adopted a firm wide policy statement outlining insider trading compliance including
associated persons and other employees. This statement is distributed to all associated persons and other
employees of Addis Hill to be signed and dated by each such person annually.
Supervisory Procedures
Addis Hill has adopted a written supervisory procedures statement highlighting the steps which shall be taken
to implement the firm wide policy. These materials are also distributed to all associated persons and other
employees of Addis Hill, are signed, dated and filed with the insider trading compliance materials. There are
provisions adopted for (1) restricting access to files, (2) providing continuing education, (3) restricting and/or
monitoring trading on those securities of which Addis Hill’s employees may have non‐public information, (4)
requiring all of Addis Hill’s employees to conduct their trading through a specified broker or reporting all
transactions promptly to Addis Hill, and (5) monitoring the securities trading of the firm and its employees
and associated persons. Addis Hill or individuals associated with Addis Hill may buy or sell securities identical
to those recommended to customers for their personal accounts.
Justin Hill is acting Chief Compliance Officer of Addis Hill. Mr. Hill reviews all the activity in the personal
trading accounts of Addis Hill’s employees on a quarterly basis. The personal trades in nature are not
significant enough to affect any of the securities markets. In addition, Addis Hill has a retainer relationship
with Financial Planners Assistance Corporation to counsel on the changing securities regulations and annual
responsibilities to be compliant.

Item 12: Brokerage Practices
Addis Hill is an independent fee‐only firm that does not have any affiliation with product sales firms. Addis
Hill has the authority, without first obtaining specific client consent, to determine the securities to be bought
or sold, the amount of the securities to be bought or sold, and the broker or dealer to be used. The selection
of a broker or dealer shall be based on reputation in the industry, financial integrity, best execution of orders,
proven track record and input from colleagues. In addition, Addis Hill tracks the Best Execution scores versus
their peers on an annual basis to ensure the highest degree of quality for clients. The review is documented
in Addis Hill’s Compliance Manual ‐Best Execution and Soft Dollar section.
The firm is in compliance with SEC Regulation S‐P (Privacy) and SEC Release No. 34‐23170 (Best Execution).
The firm receives certain soft dollar benefits as a result of the association with the qualified custodial firm
such as research, administrative and brokerage services. However, our utilization of a broker dealer is for the
primary purpose of trade execution.
Again, Addis Hill does not receive any portion of the trading fees or custodial fees.
Block Trading
Addis Hill has the discretion to block trade orders for two or more clients seeking the identical security to
establish an average price for the security being purchased. The trade orders are executed in the same
fashion as a single trade but bunched together when executed. The allocation of each security purchased in a
bunched trade must be made in accordance with our allocation procedures specific to each client’s portfolio.
Item 13: Review of Accounts
Periodic Client Reviews
Addis Hill offers an annual review to each client. However, the frequency of reviews is decided upon with the
advisor and client based on their needs and wants. Addis Hill’s periodic reviews with its clients includes a
comprehensive look at insurance, estate, tax planning, investment performance, scenario planning, and more.
All the client reviews are performed by Kent R. Addis, Jr., William Mayer, Kelly Bashore, Justin Hill and the
assistance and support of Addis Hill’s staff.
Trigger Reviews
In addition to annual client reviews, additional reviews are triggered and conducted either by the client or
advisor when changes in the market dictate, objectives change, lifestyle changes, or other various important
changes are necessary to attend to.
Regular Reports
Addis Hill performance and position reports are provided virtually, on‐line through our client portal. The
reports are generated through data we collect through financial channels and believe those channels to be
true and accurate. In addition, each client receives a written monthly value and activity report sent directly
by Shareholder Service Group, Charles Schwab, TD Ameritrade, TIAA, or Vanguard, independent of Addis
Hill. We suggest comparing the reporting on‐line to statements provided by Shareholders Service Group to
verify accuracy. Clients who have no internet access will be mailed written reports to their addresses on
record. All reports are reviewed by Kent R. Addis, Jr. and / or Justin J. Hill and Addis Hill’s staff.
Investment Management Review
The underlying securities within the investment advisory services are reviewed periodically. The reviews are
internal in nature for the purpose of ensuring portfolio performance in relation to expectation. In addition,
to seeking new opportunities and to maintain a high level of risk management awareness.

Item 14: Client Referrals and Other Compensation
Addis Hill has no client referral or other client based referral compensation relationships. We receive no
compensation, nor pay for any referrals to third parties for referring prospective clients to us. Addis Hill does
not accept referrals or any form of remuneration from other professionals when a prospect or client is referred
to them.

Item 15: Custody
Addis Hill, Inc. does not maintain full custody of client assets. Addis Hill, Inc. does maintain limited custody of
client assets for the sole purpose to withdraw advisory fees directly from client’s accounts held by the
custodians. All assets are held at qualified custodians, who provide account value and activity statements
directly to clients at their address of record at least quarterly and often monthly. We have experience in
working with TIAA, Vanguard, TD Ameritrade, Charles Schwab, and Pershing, LLC. Addis Hill does provide
periodic performance statements directly to clients and urges clients to compare the account statements they
receive from the qualified custodian with those they receive from Addis Hill. Clients are always encouraged to
carefully review all financial statements provided directly to them.

Item 16: Investment Discretion
Addis Hill has discretion over client’s assets to implement investment trades/transactions in their account in
accordance with a limited power of attorney under the framework of Addis Hill’s Investment Policy Statement.
Addis Hill has the authority to determine, without obtaining specific client consent, the securities bought and
sold, and the amount of those buys and sales.
Addis Hill provides all accounts a written Investment Advisory Agreement in addition to an Investment Policy
Statement. The investment policy statement is a summary of your objectives, constraints, and asset allocation
target. It also includes details on the investment strategies, risks, and monitoring procedures used to achieve
client objectives.
Shareholders Service Group, TD Ameritrade, TIAA, Vanguard, and Charles Schwab, has full discretionary trading
authority to act on behalf of Addis Hill transactions.

Item 17: Voting Client Securities
Addis Hill will not accept or have the authority to exercise proxy power with respect to client’s securities. We
will not vote any proxy statements on behalf of any client. Clients receive their proxies or other solicitations
directly from the account custodians. Addis Hill may assist you in interpreting proxy information, but the
voting is the decision of the client.

Item 18: Financial Information
Addis Hill neither custodies client’s funds or securities nor collect more than $1,200 in fees per client six months
or more in advance. Addis Hill has never been subject to bankruptcy.
In April of 2020, as a result of the economic uncertainty regarding the COVID‐19 pandemic, Addis Hill applied for,
and received, $64,200 as part of the Payroll Protection Program funded through the Small Business
Administration [Division A, Title I of the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) (The
Payroll Protection Act rule). This loan is forgivable if certain criteria are met by Addis Hill. To the extent the loan
is not forgiven, the loan matures two years from the date of the loan. Interest accrues at the rate of one
percent from the date of the note, but no payments are due for six months. Beginning after the first six months,
the note is payable in eighteen equal monthly payments of principal and interest with the note being paid in full
at the end of the twenty‐fourth month.

Additional Information
Disaster Recovery and Contingency
Addis & Hill has in place policies in order to effectively address and the specific steps which we shall use and
employ, in order to recover from disaster or emergency. It addresses alternative offices, equipment, system
information back up, and more.
Shareholder’s Agreement
Addis & Hill has in place a Business Continuity plan in the event of a shareholder’s death or disability. The
Agreement is funded by both Cross Purchase and Key Man Life insurance policies.
Privacy Policy
The Gramm– Leach – Bliley Act, a federal statute, requires “financial institutions” to explain what their specific
policy is with regard to the use of information that has been collected from individuals. Addis & Hill, Inc. was in
full compliance and is continuously adjusting our practices to remain in compliance with our policy and
procedures. Addis Hill maintains the highest level of confidentiality with all the information we receive clients.
Each year clients receive a written copy of the firm’s Privacy Policy.
Mr. Justin J. Hill is licensed to sell insurance products. The insurance license is maintained in order to assure
compliance with laws regulating the provisions of insurance advice, not as a means to sell insurance products.
As a result of this licensing, there is a potential conflict of interest.

You can download our form ADV Part 2A by clicking on the link below.


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